Please Note:P.L. 2013, c. 259 became effective on July 1, 2014. This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Division of Insurance.

Eileen Colon Pellot, Bergenfield, NJOrder #E18-124, December 24, 2018
Respondent failed to respond to an Order to Show Cause charging her with misappropriation of premium, creation of a fabricated certificate of insurance and failure to report an indictment to the Commissioner.
Sanction: Revocation, Fine - $16,000, Costs - $800

Orders to Show Cause

Bryan Davis, Murrysville, PA and Monroeville, PAOrder #E18-127, December 24, 2018
Respondent is charged with selling insurance in New Jersey without being licensed as a producer.

Sean Michael Moore, Joint Base MDL, NJOrder #E18-119, December 5, 2018
Respondent is charged with conviction of accessing or possessing with intent to view child pornography and with failing to report his indictment and conviction to the Commissioner.

Dominick J. Perrone, Forked River, NJ and Toms River, NJOrder #E18-121, December 5, 2018
Respondent is charged with submitting insurance applications with material false statements and with submitting applications when not licensed as a producer.

Lee Stokes, Galloway, NJOrder #E18-126, December 24, 2018
Respondent is charged with providing inducements to the purchase of insurance.

Consent Orders

Kirk P. Hewitt, Southampton, PAA-Plus Public Adjusters Inc., Feasterville, PAOrder #E18-125, December 24, 2018
Respondent deposited checks for insurance proceeds in an account which was not an interest bearing escrow or trust account and used a public adjuster contract that did not contain required terms and conditions.
Sanction: Fine - $3,500

Dimensional New Jersey, LLC, Avenel, NJOrder #E18-115, November 27, 2018
Respondent operated as a third party billing service prior to being certified by the Commissioner as a third party billing service.
Sanction: Fine - $1,000

Joseph J. Maurio, Lebanon, NJOrder #E18-116, November 27, 2018
Respondents sent solicitations and conducted seminars for New Jersey residents without disclosing that he is a licensed producer.
Sanction: Fine - $2,500

October

Orders to Show Cause

Hudson Brice, Paulsboro, NJHudson Bail Bonds, LLC, Westville, NJ Order #E18-103, October 3, 2018
Respondent is charged with attempting to satisfy a bail bond forfeiture judgment with a check that was returned for insufficient funds.

Boon-Chapman Benefit Administrators, Inc., Austin, TXOrder #E18-104, October 10, 2018
Respondent, a licensed third party administrator, is charged with failing to file its 2017 annual report.

Thomas E. Harbaugh, Hatboro, PAOrder #E18-112, October 30, 2018
Respondent was convicted of theft/failure to make required disposition of property and insurance fraud and failed to report the revocation of his license by another state.
Sanction: Revocation

eClinicalWorks, LLC, Westborough, MAOrder #E18-95, September 19, 2018
Respondent operated as a third party billing service prior to being certified by the Commissioner as a third party billing service.
Sanction: Fine - $1,000

Clifford Moss, New York, NYOrder #E18-110, October 25, 2018
Respondent misrepresented information on annuity applications as to where the sales occurred and where the applications were signed and forged signatures of insureds on letters to the insurer to cover up the misrepresentations.
Sanction: Revocation, Fine - $3,000 (for Fraud Act violations), Fraud Act Surcharge - $150.

Robert M. Sebia, Bridgeton, NJCrystal Title Agency, LLC, Bridgeton, NJOrder #E18-111, October 28, 2018
Respondents misappropriated proceeds from real estate transactions and failed to maintain a trust account, Respondent Sebia was convicted of theft by failure to make required disposition of property received and misconduct by a corporate official, and failed to notify the Commissioner of his indictment, his conviction and his license suspension by another state.
Sanction: Revocation, Fine - $250,000, Restitution - $7,700,000.

STI Computer Services, Inc., Eagleville, PA Order #E18-113, October 30, 2018
Respondent operated as a third party billing service prior to being certified as a third party billing service.
Sanction: Fine - $1,000

Steven Ray Turner, Glasgow, KYOrder #E18-105, October 10, 2018
Respondent misrepresented life insurance as a college funding plan and inaccurately indicated on the application that he personally met with the insureds and that the premium was not being financed.
Sanction: Revocation

September

Final Order

John Anthony Bonino, Sr., Freehold and Old Bridge, NJUnited Bail Group LLC, Freehold, NJOrder #E18-98, September 26, 2018
Respondents failed to respond to an Order to Show Cause charging them with accepting business from and paying commissions to producers whose licenses were revoked.
Sanction: Revocation, Fine - $5,000 and Costs - $1,700

Orders to Show Cause

Bilal Pekdemir, Fort Lee, NJ Order #E18-91, September 6, 2018
Respondent is charged with adding comprehensive coverage for second vehicles not owned by the applicants to applications for automobile insurance.

Progyny, Inc., New York, NYOrder #E18-93, September 14, 2018
Respondent, a licensed third party administrator, is charged with failing to file its 2017 audited financial statement.

Jose Taveras, Perth Amboy, NJOrder #E18-90, September 6, 2018
Respondent is charged with failing to remit bail bond premium, failing to pay the surety for forfeited judgments and failing to satisfy an Order of Judgment.

Consent Orders

Alliance-One Services, Inc., Holland, PAOrder #E18-101, September 26, 2018
Respondent acted as a third party administrator in New Jersey prior to being licensed or registered as a third party administrator.
Sanction: Fine - $115,000

Melanie Boyd, Medford, NJOrder #E18-92, September 11, 2018
Respondent submitted two life insurance applications without the applicant’s knowledge or consent and used her own funds to pay the initial premium.
Sanction: Fine - $7,500

eClinicalWorks, LLC, Westborough, MAOrder #E18-95, September 19, 2018
Respondent operated as a third party billing service prior to being certified by the Commissioner as a third party billing service.
Sanction: Fine - $1,000

Barry Lee Malamed, Voorhees, NJAssociated Property Loss Consultants, LLC, Cherry Hill, NJOrder #E18-100, September 26, 2018
Respondents did not timely remit settlement funds to insureds, signed the names of insureds to settlement checks without authorization from the insureds and used a public adjuster contract that did not contain required terms and conditions.
Sanction: Fine - $10,000

Joshua David Mellberg LLC, Tucson, AZOrder #E18-99, September 26, 2018
Respondent issued a solicitation which did not identify the name of the insurer, the type of plan and/or name of the annuity product and which inaccurately referred to guaranteed income payout rates of 13.1%.
Sanction: Fine - $2,500

Oscar Garden State Insurance Corporation, New York, NYOrder #E18-96, September 19, 2018
Respondent issued explanation of benefit forms that did not contain all required information, issued inaccurate Summary of Benefits and Coverage forms and improperly applied both an office visit copay and deductible and/or coinsurance to services rendered during the office visit.
Sanction: Fine - $500,000

Kenneth M. Choseed, Cherry Hill, NJ Order #E18-88, August 20, 2018
Respondent is charged with using a public adjuster contract that did not contain required terms and conditions.

Amended Order to Show Cause

Michael Diviney, Deptford, NJSamuel A. Demaio, Sicklerville, NJProperty Damage Adjusters, Inc., Deptford, NJAccupro Environmental, LLC, Turnersville, NJOrder #E18-87, August 10, 2018
Respondents Diviney and Property Damage Adjusters, Inc. are charged with using a public adjuster contract that did not contain required terms and conditions, with charging fees that were not reasonably related to the services rendered and with not honoring insureds’ requests to terminate the public adjuster contract. All respondents are charged with conspiracy to submit fraudulent claims.

Maxwell J. Eskreis, New York City, NY Order #E18-72, July 3, 2018
Respondent is charged with submitting twenty fraudulent applications for insurance for fictitious persons and forging the applicants’ signatures on the application forms.

Eileen Colon Pellot, Bergenfield, NJOrder #E18-78, July 24, 2018
Respondent is charged with misappropriation of premium, creation of a false certificate of insurance and failure to report an indictment.

Consent Orders

Franklin Mutual Insurance Company, Branchville, NJOrder #E18-73, July 13, 2018
Respondent conducted business with and paid commissions to an entity that was not licensed as a producer.
Sanction: Fine - $25,000

John Anthony Bonino, Sr., Old Bridge, NJ and Freehold, NJUnited Bail Group LLC, Freehold, NJOrder #E18-56, June 1, 2018
Respondents are charged with accepting business from and paying commissions to producers whose licenses were revoked.

Berkshire Medical Technologies, Union, NJOrder #E18-60, June 4, 2018
Respondent acted as a third party billing service prior to being certified as a third party billing service.
Sanction: Fine - $1,000

Maximilan Fusaro, Westfield, NJOrder #E18-66, June 26, 2018
Respondent failed to timely submit an application for conversion of term life policy.
Sanction: Revocation

Peter M. Martorana, Bridgeton, NJOrder #E18-65, June 18, 2018
Respondent failed to report an indictment and conviction, was convicted of money laundering and forged the signature of another producer on annuity applications.
Sanction: Revocation

Kevin Tetti, Tinton Falls, NJElite National Health Group, LLC, Allenhurst, NJOrder #E18-58, June 1, 2018
Respondents employed a person who was convicted of a felony involving dishonesty or breach of trust and who had not obtained a waiver from the Commissioner pursuant to 18 U.S.C. §1033.
Sanction: Fine - $5,000

May

Final Orders

Bienvenido Dominguez, West New York, NJDominguez Agency LLC, North Bergen, NJOrder #E18-55, May 31, 2018
Respondents failed to respond to an Order to Show Cause charging them with failing to remit premiums for five clients and failing to respond to Department inquiries.
Sanction: Revocation, Fine - $15,000, Costs - $825

William M. Kwasnik, Miami, FLOrder #E18-40, May 1, 2018
Respondent participated in a fraudulent scheme involving the sale of unregistered securities, failed to advise the Commissioner that a Consent Order and Final Judgment was entered against him by the Bureau of Securities and misstated on his license renewal application that he was not the subject of any administrative proceedings.
Sanction: Revocation, Fine - $25,000

Shannon Shaw, Glassboro, NJOrder #E18-50, May 25, 2018
Respondent failed to respond to an Order to Show Cause charging her with being convicted of third-degree Insurance Fraud and with failing to report the charges and conviction to the Commissioner.
Sanction: Revocation, Fine - $5,000, Restitution - $6,105, Costs - $900

Brian Tripp, Clayton, NJOrder #E18-43, May 18, 2018
Respondent failed to respond to an Order to Show Cause charging him with directly soliciting for Medicare Advantage plans and making material misrepresentations on the application forms.
Sanction: Revocation, Fine - $25,000, Costs - $2,200

Orders to Show Cause

Mark Jiorle, Franklin Park, NJOrder #E18-53, May 25, 2018
Respondent is charged with disclosing a change of beneficiary on a life insurance policy to a person who was not the policy owner.

Paul B. Kumar, North Brunswick, NJ Order #E18-54, May 25, 2018
Respondent is charged with submitting 16 applications for insurance without the knowledge or consent of the applicants and forging the applicants’ signatures on the applications.

Hany Shehata, West Orange, NJOrder #E18-52, May 25, 2018
Respondent is charged with failing to timely return a premium refund, failing to advise a policyholder that his policy had been cancelled and failing to maintain a trust account.

Consent Orders

Richard Almanzar, Jersey City, NJOrder #E18-48, May 25, 2018
Respondent permitted someone other than the insured to sign the insured’s name on an insurance application.
Sanction: Fine - $1,000

Marta Cristina Cunha, Union, NJOrder #E18-46, May 25, 2018
Respondent submitted seven applications for life insurance without the knowledge or consent of the applicants, impersonated the applicants during telephone interviews with the insurer, was convicted of theft by deception and failed to report her indictment and conviction to the Department.
Sanction: Revocation, Fraud Act Fine - $2,500, Fraud Act Surcharge - $125

Charles D. Melitta, Fair Haven, NJOrder #E18-41, May 12, 2018
Respondent incorrectly answered the question on his license renewal application about proceedings taken against him by other state insurance departments and failed to notify the Department of an action taken against him by another state insurance department.
Sanction: Fine - $2,000

Juan V. Papadopulos, Paterson, NJExclusive Financial Services, Paterson, NJOrder #E18-42, May 18, 2018
Respondent submitted an application to the New Jersey Personal Automobile Insurance Plan for a person who did not have a valid New Jersey driver’s license.
Sanction: Fine - $2,500

Arthur Sinuk, New York, NYOrder #E18-47, May 25, 2018
Respondent misrepresented the source of funding for two insurance policies and the city and state in which the applications were signed and conspired with the applicants to reimburse their life insurance premiums.
Sanction: Revocation, Fraud Act Fine - $5,000, Fraud Act Surcharge - $250

Gail Elizabeth Six, Howell, NJOrder #E18-49, May 25, 2018
Respondent misrepresented herself as the insured in a telephone call with the insurer during which she submitted a claim for preexisting damage.
Sanction: Revocation

April

Orders to Show Cause

Avelino C. Andrade, Monroe, NJOrder #E18-36, April 20, 2018
Respondent is charged with misappropriating and failing to remit premium, issuing checks for the payment of premium that were dishonored by his bank for insufficient funds, failing to maintain a trust account and failing to maintain copies of receipts for premium payments.

Karen Yokely, Plainfield, NJ and Somerville, NJIsatu Tejan-Se, Long Branch, NJ and West Long Branch, NJOrder #E18-39, April 30, 2018
Yokely is charged with conviction of conspiracy to commit wire fraud for her role in a fraudulent mortgage loan scheme and with failing to report her indictment and an action taken against her by another insurance Department. Tejan-Se is charged with failing to report her indictment.

Consent Orders

Advanced Health Partners, Inc., New Windsor, NYOrder #E18-28, April 10, 2018
Respondent conducted business as a third party billing service prior to being certified as a third party billing service by the Commissioner.
Sanction: Fine - $1,000.

Alicia M. Jones, Newark, NJOrder #E18-38, April 24, 2018
Respondent was convicted of a felony involving breach of trust or dishonesty, did not obtain a 1033 waiver from the Commissioner and failed to report her indictment and conviction.
Sanction: Revocation, Fine - $1,000.

Mercury Indemnity Company of America, Clearwater, FLOrder #E18-30, April 16, 2018
Respondent conducted business with and paid commissions to an unlicensed producer.
Sanction: Fine - $25,000.

March

Final Order

Travis Hansberger, Eagan, MNOrder #E18-14, March 3, 2018
Respondent’s application for an initial nonresident producer application is denied due to his conviction for criminal sexual conduct.

Orders to Show Cause

John P. DeStefano, Caldwell, NJOrder #E18-24, March 28, 2018
Respondent is charged with submitting a homeowners insurance application without the applicant’s knowledge or consent, forging the applicant’s signature on the application and related documents, submitting a forged application to the Department and failing to refund the full premium to the applicant.

Sherrica Octavia McDonald, Neptune, NJ Octavia Global Investment, LLC d/b/a Octavia Bail Bonds, Neptune, NJOrder #E18-22, March 19, 2018
Respondents are charged with failing to remit premiums, failing to establish and maintain a trust account, failing to return unused powers of attorney, failing to maintain accurate books and records, issuing a check that was returned for non-sufficient funds and failing to make contributions to a build up fund.

Clifford Moss, New York, NY, Brooklyn, NY and Staten Island, NYOrder #E18-23, March 20, 2018
Respondent is charged with misrepresenting information on annuity applications as to where the sales occurred and where the applications were signed, forging signatures of insureds on letters to the insurer to cover up the misrepresentations and committing insurance fraud.

Kenneth J. Murphy, Hamburg, NJOrder #E18-17, March 5, 2018
Respondent is charged with submitting applications for fictitious policies to an insurer and providing inaccurate, forged or false information to the insurer.

Brian Tripp, Clayton, NJOrder #E18-20, March 13, 2018
Respondent is charged with directly soliciting for Medicare Advantage plans and making material misrepresentations on the application forms.

Magdalena Guzman, Perth Amboy, NJ and Fort Myers, FLOrder #E18-07, February 7, 2018
Respondent is charged with submitting insurance applications for fictitious employees, with forging employer signatures on insurance forms, and with failing to respond to Department inquires and a Department subpoena.

James V. Mascola, Bridgeton, NJGenevieve Steward, Glassboro, NJBail Group Management, LLC, Millville, NJEast Coast Bail Bonds, LLC, Millville, NJOrder #E18-08, February 7, 2018
Respondents are charged with failing to remit premiums for bail bonds, with failing to timely return collateral for bail bonds, with misappropriation of bail bond collateral, with conducting business through a business entity that was not licensed as a producer, with failing to register a branch office and with failing to respond to Department inquiries.

Consent Orders

Americhoice of New Jersey, Inc., Edison, NJOxford Health Insurance, Inc., Shelton, CTOxford Health Plans (New Jersey) Inc., Shelton, CTUnitedHealthcare Insurance Company, Hartford, CTOrder #E18-12, February 22, 2018
Respondents used an entity for the provision of hemophilia supplies and services that lacked the required state designation and improperly required member consent for provider payment appeals. Americhoice of New Jersey, Inc. failed to promptly comply with decisions of the Independent Health Care Appeals Program that reversed its denials of authorization and claims. Oxford Health Insurance, Inc. failed to provide utilization management appeal rights to persons covered by individual health benefits plans who sought an override of a prescription drug quantity limit and provided incorrect information to callers and on its website about the individual health benefits plans it offered in New Jersey.
Sanction: Fine - $2,500,000.

R&S Electronic Medical Billing, LLC, Belleville, NJOrder #E18-09, February 8, 2018
Respondent acted as a third party billing service prior to being certified as a
third party billing service.
Sanction: Fine - $1,000.

Enrico Smith, Clayton, NJEarline Princewill, Clayton, NJOrder #E18-06, February 7, 2018
Respondent Smith solicited insurance for a company with whom he was not appointed and Respondent Princewill signed the applications solicited by Respondent Smith even though she was not involved in the solicitation or sale.
Sanction: Fine - $10,000.

Howard M. Liu, Newark, DEOrder #E18-01, January 3, 2018
Respondent sold an insurance policy when his license was expired and failed to report a FINRA suspension to the Department.
Sanction: Revocation.